Small business insurance in Kentucky
If you’re an entrepreneur, Kentucky is a great state to call home. Over 350,000 small businesses already operate in The Bluegrass State, and those businesses collectively employ over 40% of all Kentucky workers—712,477 jobs, according to the U.S. Small Business Administration (SBA).
Clearly, small business owners in Kentucky are a crucial part of the state’s economy. So if you’re one of them, you need the best small business insurance and liability coverage available to keep your business protected while you build momentum for your company.
Good news, too: With Huckleberry, you can complete the whole process online in minutes.
Even better news: You can save up to 32% on the insurance policies that meet your needs and your local business insurance requirements.
Get a business insurance quote from Huckleberry in 5 minutes.
The most common types of Kentucky business insurance coverage
A workers’ compensation policy protects employees that get sick or hurt on the job by paying for their medical expenses, lost wages, and disability benefits. (According to the Kentucky Department of Insurance, workers’ compensation is required for most employers—even if your employees are only part-time.)
A package of several important coverages: business interruption insurance, property coverage, and commercial liability insurance.
Kentucky general liability insurance pays legal fees and the cost of a settlement if another party sues you. (Also known as business liability insurance.)
Pays to repair or replace your business property (as well as your building, if you own it) if they’re damaged for a covered reason.
How much do business owners pay for Kentucky small business insurance?
You might be surprised at how low your Kentucky business insurance cost can be. For example, Huckleberry customers in the Bluegrass State have paid as little as $33 per month for their workers’ compensation (and only $21 per month for a Business Owner’s Policy)!
Of course, the real question is what you will pay for your business insurance. That depends on many factors, from the size of your payroll and geographic location to your industry and safety record. An office supply store in Lexington may pay a much different rate for their insurance than a construction contractor in Louisville (and a DJ in Bowling Green will likely pay less than both).
In short, your rate depends entirely on your situation and your business insurance needs—there’s no one-size-fits-all way to predict what you’ll pay.
That said, if you have 60 seconds to spend right now (and who doesn’t?), you can get a free estimate from our small business rate calculator. (It’s free, and the questions are easy.)
Other coverages you can add to your Kentucky small business policy
Employment Practices Liability
Pays legal costs if you’re accused of an illegal employment practice such as discrimination or harassment.
Protects you from liability if someone associated with your business causes damage with a vehicle that the business doesn’t own (such as an employee’s car).
Professional Liability (Errors and Omissions Insurance)
Protects your business if you cause certain kinds of harm to a client.
Pays your legal fees and settlement costs if you overserve an intoxicated customer who goes on to cause bodily injury, personal injury, or property damage to someone else.
Reimburses financial losses if your perishable inventory goes bad because of a power outage or refrigeration malfunction.
The most common types of business getting small business insurance in Kentucky:
4 reasons why business owners in Kentucky love Huckleberry
- You can get the insurance you need in 5 minutes.
- You can save up to 32% on your business insurance policies.
- Everything is hassle-free.
- The process is simple and in simple terms.
Don't take our word for it
Get a quote in five minutes.
Everything's online. Everything's easy. Tap the button to get started.